LIC Surrender Value Calculator 2026
Calculate estimated cash payout values and financial losses before surrendering your LIC endowment policy. Compare GSV with SSV projections. Updated for 2026.
Combination of GSV Premiums (₹62,500) + GSV Bonuses (₹9,900).
See how your surrender value grows over the years compared to holding the policy to full maturity.
| Completed Year | Projected Surrender Payout | Maturity Benefit (If term ends) |
|---|---|---|
| Year 5 | ₹72,400 | - |
| Year 6 | ₹88,200 | - |
| Year 7 | ₹1,04,440 | - |
| Year 8 | ₹1,25,296 | - |
| Year 9 | ₹1,47,636 | - |
| Year 10 | ₹1,71,900 | - |
| Year 11 | ₹1,97,736 | - |
| Year 12 | ₹2,25,408 | - |
| Year 13 | ₹2,57,946 | - |
| Year 14 | ₹2,93,216 | - |
| Year 15 | ₹3,35,100 | - |
| Year 16 | ₹3,76,480 | - |
| Year 17 | ₹4,24,490 | - |
| Year 18 | ₹4,72,860 | - |
| Year 19 | ₹5,57,080 | - |
| Year 20 | ₹6,04,000 | ₹9,40,000 |
Traditional plans offer 5-6% returns with low life cover. Compare pure Term Insurance plans starting from just ₹440/month for a ₹1 Crore cover.
For a ₹5 Lakh Sum Assured policy with an annual premium of ₹25,000 paid for 5 years (Total: ₹1,25,000), the estimated surrender value payout is ₹82,850. You will lose approximately ₹42,150 (34% of your total invested premiums) as a surrender penalty.
Understanding LIC Surrender Penalties & Rules
Surrendering a life insurance policy prematurly is one of the most expensive financial actions you can take. LIC imposes high charges because traditional policies are designed as long-term savings contracts. If you close the policy early, the acquisition costs (agent commissions, policy setup charges, administrative fees) are deducted from your premiums.
Before surrendering, check if a **policy loan** (which allows you to borrow up to 90% of the surrender value while keeping the policy active) or conversion to a **paid-up policy** (which stops future premium payments but keeps a reduced coverage active to maturity) serves your needs better. If you want to check your original maturity payout, use our LIC Maturity Calculator.
एलआईसी सरेंडर वैल्यू कैलकुलेटर — LIC Surrender Value in Hindi
एलआईसी पॉलिसी सरेंडर वैल्यू कैलकुलेटर (LIC Policy Surrender Value Calculator) 2026. अपने पॉलिसी को समय से पहले बंद करने पर मिलने वाली राशि की गणना करें।\n\nनियमों के अनुसार, सरेंडर वैल्यू प्राप्त करने के लिए कम से कम 2 साल का प्रीमियम भुगतान आवश्यक है। सरेंडर वैल्यू की गणना इस प्रकार होती है: (कुल जमा प्रीमियम × प्रीमियम फैक्टर) + (संचित बोनस × बोनस फैक्टर)। पॉलिसी को जल्दी सरेंडर करने पर जमा राशि का लगभग 30% से 50% तक का भारी आर्थिक नुकसान हो सकता है।
संबंधित खोज (Related Searches):
| Policy Year (वर्ष) | GSV Factor (अनुमानित) | Remarks (टिप्पणी) |
|---|---|---|
| 1 Year (1 साल) | 0% | No surrender value / कोई पैसा नहीं मिलेगा |
| 2 Years (2 साल) | 30% | Minimum required / न्यूनतम सीमा |
| 3 Years (3 साल) | 30% | Heavy loss / भारी नुकसान |
| 4 Years (4 साल) | 50% | Partial recovery / आधा पैसा |
| 5 Years (5 साल) | 50% | Tax-free payout / टैक्स फ्री सरेंडर |
| 6 - 7 Years | 50% | - |
| 8 - 10 Years | ~ 55% - 60% | Varies by term / अवधि पर निर्भर |
* Note: Estimated factors for a standard 20-year term endowment policy.
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